Insurance & Protection
Income protection
Income protection replaces part of your income while illness or injury stops you working. Ensurlife helps you choose the right waiting period, benefit period and amount of cover.
On this page
Who it’s for
Employees
People who rely on their salary to pay the bills.
Self-employed and business owners
People with no sick leave to fall back on.
New business owners
Founders protecting their income while the business grows.
What’s included
Amount of cover
How much of your income to insure.
Waiting period
How long before payments start.
Benefit period
How long payments can last, for example two or five years, or to a set age.
Application help
Help with the application.
How it works
Talk
Your income, savings and sick leave are discussed.
Choices
Waiting and benefit periods are chosen.
Options
Policies are compared.
Apply
You apply and the insurer assesses your application.
Good to know
Waiting and benefit periods
A longer waiting period usually costs less; a longer benefit period usually costs more.
General information
Information here is general, not personal advice. Read the product disclosure statement.
Questions
Can’t find your answer? Ask us and we’ll pass your question to the right business.
Answers are general information, not personal advice.
Reviewed by the licensee Ensurlife’s advisers act for · Last updated 6 October 2026
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Important information
General information only: it does not take your personal circumstances into account.
Services described here may be subject to eligibility, professional registration or licensing requirements. Confirm the relevant scope and documents directly with Ensurlife, Wealth Mantra before proceeding.
Next step
Ready to talk aboutIncome protection?
Tell us a little about your situation and we’ll pass it to the Ensurlife team.
